What are the current interest rates at Bread Financial?

Current rates for Bread Financial include: 12-Month CD: 4.25%, Savings: 4.50%

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Bread Financial Rates & Review October 2026

Q: How many branches does Bread Financial operate?

Bread Financial currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bread Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bread Financial provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Bread Financial's top rates as of October 7, 2026 are 4.40% APY on its 9-month Retirement CD, 4.50% APY on savings, personal loans from 7.99% APR, and credit cards from 19.24% APR, according to rates verified by MonitorBankRates. Other Bread Financial CD rates include 1-year CD at 4.25%, 6-month CD at 4.00%, and 3-month CD at 3.90%. MonitorBankRates evaluates the financial stability of Bread Financial with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.05%. Rates last updated and verified on 10/07/2026.

Bread Financial money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bread Financial? Share your experience about Bread Financial by leaving a review below, or read customer reviews before you decide to use Bread Financial.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.05%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Bread Financial

12921 S Vista Station Blvd
Draper, UT 84020

https://www.breadfinancial.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bread Financial CD Rates

Product	Rate	APY	Term
9-month Retirement CD	-	4.40%	9-month
Min Deposit $1,500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30% Oct 2, 20264.40%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
1-year CD	-	4.25%	1-year
Min Deposit $1,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.25% APY · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
6-month CD	-	4.00%	6-month
Min Deposit $1,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
3-month CD	-	3.90%	3-month
Min Deposit $1,500 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Bread Financial Savings Rates

Product	Rate	APY
IRA high-yield savings account	-	4.50%
Details Save for a rewarding retirement with an IRA. Accounts are FDIC-insured with no hidden fees. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.00% Oct 7, 20264.50%▲ from 4.00% Oct 2, 20264.00%▼ from 4.40% Sep 18, 20264.40%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
High-Yield Savings Account	-	4.00%
Min Deposit $100 Details Earn more with a high yield savings account. You could earn more interest with our highly competitive savings rate. Interest is compounded daily then credited to your account monthly. Track your savings progress online! Earn flexibly & securely. You can earn interest on your entire account balance. Plus, access your funds if they're needed. Keep more of your money with no hidden fees. Enjoy an account with no monthly maintenance fee, plus free incoming wire transfers and unlimited mobile check deposits. At Bread Savings, we're always upfront about fees for account services. Customer-first features that support saving. Security monitoring for your protection. Free ACH transfers and incoming wire transfers. Convenient online and mobile access. Personalized customer service. Track your savings from anywhere. You can manage your account quickly and securely from your mobile device. Simply download the Bread Savings mobile app. Deposits are FDIC insured through Comenity Capital Bank with a coverage limit of $250,000 per depositor for each ownership category. Start earning interest immediately. Open a new Bread Savings account in just minutes! You'll be earning interest as soon as your opening deposit is received. Start saving now. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95% Sep 27, 20264.00%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Bread Financial Credit Card Rates

Product	Rate	APR
Bread RewardsTM American Express Credit Card	-	19.24%
Details Published APR range: 19.24% to 33.74%. Introductory APR: 19.24% to 33.74% for 12 months; Regular APR: 19.24% to 33.74%; No annual fee and no Foreign Transaction Fees; Earn 3X points per $1 spent at gas stations, grocery stores, dining and utility purchases; Earn 1X points per $1 spent on all other purchases; +25% extra points every billing cycle you make 20 or more separate purchases. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 19.49% → 19.24% ▼ 0.25 pts · high 19.49% / low 19.24% Oct 7, 202619.24%▼ from 19.49% Sep 15, 202619.49%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%
Bread RewardsTM American Express Credit Card	-	19.49%
Details Published APR range: 19.49% to 31.49%. Introductory APR: 19.49% to 31.49% for 12 months; Regular APR: 19.49% to 31.49%; No annual fee and no Foreign Transaction Fees; Earn 3X points per $1 spent at gas stations, grocery stores, dining and utility purchases; Earn 1X points per $1 spent on all other purchases; +25% extra points every billing cycle you make 20 or more separate purchases. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 19.49% APR · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Bread Financial Personal Loan Rates

Product	APR	Term	View More
Fixed Interest Personal Loans	7.99%	24 to 60 months
Details Loans up to $35,000; No application or origination fees; Accepting won't affect your credit score. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Bread Financial Other Rates

Product	Rate	Points	APY/APR	Term	View More
Retirement HYSA	-	-	4.00%
Min Deposit $100 Details Interest is compounded daily, then posted monthly to your account. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bread Financial’s Texas Ratio fell from 22.10% in Q3 2023 to 21.05% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 4.5. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$13.9B	21.05%	4.5	B
March 31, 2026	$13.3B	23.78%	4.3	B-
December 31, 2025	$13.6B	24.44%	4.2	C+
September 30, 2025	$12.7B	22.85%	4.4	B-
June 30, 2025	$12.9B	21.19%	4.5	B
March 31, 2025	$13.2B	23.65%	4.3	B-
December 31, 2024	$13.3B	24.71%	4.2	C+
September 30, 2024	$12.6B	25.09%	4.2	C+
June 30, 2024	$12.7B	20.22%	4.6	B
March 31, 2024	$12.7B	24.38%	4.2	C+
December 31, 2023	$13.0B	26.29%	4.1	C+
September 30, 2023	$11.9B	22.10%	4.4	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bread Financial is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bread Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bread Financial's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bread Financial

FDIC Certificate # 57570

Address 12921 S Vista Station Blvd, Draper, UT 84020 · Salt Lake

Website https://www.breadfinancial.com

Established 20031201

FDIC Insurance Date 20031201

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.5

Excellent Out of 5.0 Stars

21.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6540%

Return on Equity (ROE) 12.7400%

Non-Performing Loans (NPL) 2.73%

Total Assets $13,859,050,000

Total Deposits $10,991,696,000

Equity Capital $1,796,019,000

Net Income $112,461,000

Headquarters Draper

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Bread Financial

How many branches does Bread Financial operate?

Bread Financial currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bread Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bread Financial provides members with tools to manage their accounts and build a solid financial history.

Does Bread Financial offer online and mobile banking?

Most modern institutions like Bread Financial provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.breadfinancial.com.